McDowell County, WV Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 183 mortgage applications in McDowell County, WV totaling $7.6 million, up 1% from 2016. The average application was for $41,000, and applicants reported an average income of $49,000. 32% of applications resulted in an originated loan and 43% were denied. The most active lender was McNb Bank and Trust Co, with 32 applications, followed by Vanderbilt Mortgage and Finance, Inc and Pioneer Community Bank, Inc..
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 183 |
| Total Mortgage Loan Application Amount | $7,605,000 |
| Average Mortgage Loan Application Amount | $41,000 |
| Highest Mortgage Loan Application Amount | $152,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $285,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| McNb Bank and Trust Co 75 WYOMING ST WELCH, WV 24801 |
* | $ 293,649,000 | 32 | $ 390,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 28 | $ 1,814,000 |
| Pioneer Community Bank, Inc. 822 ROBERT C BYRD DR SOPHIA, WV 25921 |
* | $ 111,857,000 | 28 | $ 629,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 17 | $ 1,091,000 |
| First Community Bank 29 COLLEGE DR BLUEFIELD, VA 24605 |
* | $ 2,377,540,000 | 9 | $ 476,000 |
| Trupoint Bank 20089 RIVERSIDE DR GRUNDY, VA 24614 |
* | $ 435,982,000 | 8 | $ 151,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,483,848,000 | 7 | $ 430,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 6 | $ 193,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 4 | $ 157,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 214,433,035,000 | 4 | $ 180,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 4 | $ 22,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,883,786,000 | 3 | $ 173,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 3 | $ 159,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,854,481,000 | 2 | $ 7,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 154,000 |
| New Peoples Bank, Inc PO BOX 1810 HONAKER, VA 24260 |
* | $ 634,133,000 | 2 | $ 121,000 |
| First Peoples Bank, Inc. 200 FIRST STREET MULLENS, WV 25882 |
* | $ 127,833,000 | 2 | $ 96,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ 3,946,566,000 | 2 | $ 193,000 |
| National Bank of Blacksburg P.O. BOX 90002 BLACKSBURG, VA 24060 |
* | $ 1,230,498,000 | 2 | $ 13,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 93,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 101,000 |
| Sharonview Federal CU 1081 RED VENTURES DR. INDIAN LAND, SC 29707 |
* | $ 1,371,925,000 | 1 | $ 30,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 50,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 2,629,405,000 | 1 | $ 152,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 1,430,698,000 | 1 | $ 66,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 715,254,000 | 1 | $ 6,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 52,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 475,515,000 | 1 | $ 40,000 |
| Georgia Banking Company 6190 POWERS FERRY ROAD, SUITE 150 ATLANTA, GA 30309 |
* | $ 438,899,000 | 1 | $ 73,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 1,121,439,000 | 1 | $ 70,000 |
| George Mason Mortgage, LLC 4100 MONUMENT CORNER DRIVE #100 PRINCE WILLIAM, VA 22030 |
* | $ -1,000 | 1 | $ 100,000 |
The tables below break down 2017 mortgage applications in McDowell County, WV by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for McDowell County, WV in 2017
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 100 | $5,505,000 | $55,000 | $152,000 | $52,000 | $285,000 |
| Home Improvement | 58 | $661,000 | $11,000 | $98,000 | $41,000 | $158,000 |
| Refinancing | 25 | $1,439,000 | $57,000 | $113,000 | $52,000 | $95,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 158 | $6,530,000 | $41,000 | $152,000 | $51,000 | $285,000 |
| Black or African American | 11 | $289,000 | $26,000 | $68,000 | $37,000 | $70,000 |
| Not Provided | 10 | $521,000 | $52,000 | $100,000 | $37,000 | $71,000 |
| Not applicable | 3 | $255,000 | $85,000 | $101,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $10,000 | $10,000 | $10,000 | $40,000 | $40,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 170 | $6,715,000 | $39,000 | $152,000 | $49,000 | $285,000 |
| FHA-insured (Federal Housing Administration) | 7 | $429,000 | $61,000 | $93,000 | $48,000 | $82,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $221,000 | $73,000 | $101,000 | $23,000 | $71,000 |
| VA-guaranteed (Veterans Administration) | 3 | $240,000 | $80,000 | $100,000 | $44,000 | $75,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 79 | $2,816,000 | $35,000 | $152,000 | $42,000 | $236,000 |
| Loan Originated | 59 | $2,068,000 | $35,000 | $113,000 | $50,000 | $175,000 |
| File Closed For Incompleteness | 19 | $1,186,000 | $62,000 | $79,000 | $67,000 | $285,000 |
| Application Approved But Not Accepted | 13 | $672,000 | $51,000 | $93,000 | $57,000 | $120,000 |
| Application Withdrawn By Applicant | 9 | $535,000 | $59,000 | $145,000 | $60,000 | $174,000 |
| Loan Purchased By The Institution | 4 | $328,000 | $82,000 | $101,000 | $21,000 | $85,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 22 | $326,000 | $14,000 | $44,000 | $34,000 | $84,000 |
| Debt-To-Income Ratio | 8 | $290,000 | $36,000 | $68,000 | $33,000 | $62,000 |
| Collateral | 4 | $182,000 | $45,000 | $70,000 | $68,000 | $95,000 |
| Credit Application Incomplete | 1 | $27,000 | $27,000 | $27,000 | $35,000 | $35,000 |
| Other | 1 | $152,000 | $152,000 | $152,000 | $163,000 | $163,000 |
| Employment History | 1 | $38,000 | $38,000 | $38,000 | $17,000 | $17,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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